Latest reviews

Reddit · r/ynab · yesterday

A decade-long devoted user who still does not understand some of the odd behaviours such as stealing from the future.

Reddit · r/CreditCards · 2 days ago

Has done a weekly reconcile-and-pay routine in YNAB since 2022 for peace of mind after past card debt, but is now dropping it for a cheaper alternative and dislikes its renamed menus.

Reddit · r/CreditCards · 2 days ago

Used it for several years before moving to a different budgeting app, feeling YNAB had kept making things harder rather than easier.

Reddit · r/CreditCards · 2 days ago

Uses YNAB with linked accounts and finds it much easier than manual tracking. Calls it pricey but worth the reduced mental effort.

Reddit · r/ynab · 2 days ago

Set the iPhone action button to add a YNAB transaction and now logs purchases right after paying, before the receipt prints.

Reddit · r/ynab · 5 days ago

Uses YNAB because it keeps money set aside for credit cards so they are paid in full each month, and updates and reconciles often.

Reddit · r/ynab · 5 days ago

Enters every transaction by hand at the time of purchase in YNAB, reconciles twice a week and says the routine takes about five minutes a day.

Reddit · r/ynab · 5 days ago

Prefers YNAB's web app and distrusts the mobile app, whose constantly changing functionality they find confusing and fiddly.

Reddit · r/everydollar · 8 days ago

After a decade as a paying member, the budget-locking update made it unworkable overnight, so they built a custom Excel spreadsheet with AI help and cancelled the subscription.

MoneyRecs · Ben · 10 days ago

I mostly open this to clear the transactions waiting for review and see where the spending is going. That's enough for me. Having the upcoming bills on the same screen is handy, especially when the current balance looks more generous than it really is. I still check the categories instead of accepting everything in one go. Takes a little attention, but I prefer that to opening a spreadsheet and deciding I'll deal with it later.

MoneyRecs · Priya S · 11 days ago

Two years in, my husband and I finally know where the money goes. Worth the $109.

Reddit · r/MonarchMoney · 11 days ago

Likes the interface but the endless bugs, Amazon issues and rules that do not work became truly exhausting, so they migrated to Monarch.

Reddit · r/ynab · 11 days ago

Tried Monarch for a while but the lack of zero-based budgeting was the killer, being hardwired to zero-based budgeting.

Reddit · r/ynab · 11 days ago

After seven years on YNAB, was pushed toward Monarch by YNAB's home screen advertisements, finding ads on top of a paid subscription so offensive.

Reddit · r/everydollar · 12 days ago

After years of use, a recent update locks closed monthly budgets completely so you can't go back to log refunds or delayed charges from two months ago.

Reddit · r/ynab · 12 days ago

Tried Monarch for a few months but found the inability to reconcile unsettling and never knew if they could trust their budget.

Reddit · r/ynab · 12 days ago

A long-time YNAB user who tried Monarch for several months, found a beautiful UI but could not warm up to the budget feature, and is now trying Copilot.

Reddit · r/ynab · 12 days ago

A long-time YNAB user trying Copilot after Monarch, calling it a gorgeous app while still finding its budgeting lacking.

Reddit · r/personalfinance · 12 days ago

Likes Monarch after tracking finances for years, making a yearly budget and checking in about halfway through, with the detailed tracking available but the higher-level view working well.

Reddit · r/personalfinance · 12 days ago

Has used Monarch since before it had AI categorization, and says categorization did not seem to get any better.

Reddit · r/personalfinance · 12 days ago

Moved to Monarch but thinks they should have kept YNAB, as they enjoy manual categorizing and kept up with it better by entering transactions as they happened.

Reddit · r/personalfinance · 12 days ago

Finds with Monarch they must wait for transactions to show up before accepting and categorizing them, and cannot enter them manually without creating duplicates.

Reddit · r/ynab · 13 days ago

Switched to Monarch this month after YNAB struggled to connect some accounts, and is very pleased so far.

Reddit · r/ynab · 13 days ago

Says YNAB has not delivered enough value for its price, with silly UI updates, imports that still work only half the time, and the same underwhelming reports for years.